Fiat (via P2P exchangers or aggregators)

Fiat payments in Telegram casinos: P2P and aggregators

Although Telegram casinos actively use cryptocurrencies, many players still prefer familiar payment methods - bank cards, local payment systems, Apple Pay, etc. To implement this without banking restrictions, two flexible approaches are used: P2P exchange and payment aggregators.

P2P exchanges: player pays player

P2P (peer-to-peer) is a model in which players top up directly through deals with other participants or through a Telegram bot acting as an intermediary.

How does it work:

• 1. The player selects the recharge amount and method (e.g., card/monobank/FPS).
• 2. The bot selects a suitable P2P counterparty.
• 3. The player transfers the money directly and uploads the check.
• 4. After verification, the funds are credited to the game balance.

Advantages:

• No direct bank or payment system involvement
• Minimum fees
• High flexibility by region
• Resistance to locks and sanctions

Risks: require good moderation and an anti-fraud system.

Aggregators - Centralized Solution

Payment aggregators are services that allow Telegram casinos to accept fiat payments and automatically credit them to the player's balance.

Popular aggregators:

• PayOp
• Fondy
• Interkassa
• CryptoCloud (with fiat support)
• Unitpay, Wayforpay (for CIS)

Supported by:

• Bank cards (Visa, MasterCard)
• Apple Pay, Google Pay
• Local methods (SBP, Kaspi, Privat24, etc.)
• Instant enrollment and notifications

Advantages:

• Fully automatic process
• Support for returns, promo codes, analytics
• Easy integration with WebApp and bot

Cons: registration and compliance with the requirements of the aggregator are needed (they can request documents and KYC).

When to use which method?

Script	Best Used
Operating in volatile markets	P2P exchangers
Quick start without licenses	P2P
Mass Payments, Stability	Aggregators
Registration of bonuses, coupons, promotions	Aggregators with CRM
Minimizing Fees	P2P or Hybrid

Security and protection

All fiat transactions are logged and protected
For P2P, a system of recalls, auto-locks, confirmations is used
In aggregators - SSL, Webhook validation, two-factor authorization
Support for limits and geo-dependent methods can be implemented (e.g. by IP country)

Fiat payments are still in demand in Telegram casinos. Thanks to P2P exchangers and aggregators, the platform can work in any jurisdiction, quickly accept money from players and provide a comfortable user experience. The choice depends on the business model: from full automation to flexible and anonymous P2P format.